The Financial Services Regulatory Authority of Ontario (FSRA) is responsible for supervising and regulating a broad range of financial service sectors. FSRA issues guidance to make it easier for the public, new entrants and incumbents to understand what is legally binding, what is FSRA’s interpretation or application of law and what information is designed to be helpful. All guidance is issued in accordance with FSRA's Guidance Framework.

The following table lists Active guidance. Use the filters to search the table or enter text in the search field. Please reach out to our contact centre if you require assistance.

Note: 

  • To find inactive guidance select “inactive from the “Status” filter.
  • For information on inactive / Inherited guidance, follow this link Inherited Guidance
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Showing 101 to 200 of 342 entries
Sector Status Category Guidance Number Guidance Name
Pensions Active Surplus PE0168ORG Distribution of Surplus to Employer on Partial Wind Up - PBA s. 70(5) - Regulation 909 s. 8(1)(b) and 8(2)
Pensions Active Multi-jurisdictional issues PE0270ORG Documents at the Financial Services Commission of Ontario for Plans Registered in Other Jurisdictions
Pensions Active Miscellaneous PE0039ORG Don't let pension information be a mystery
Pensions Active Amendments PE0018ORG Effective Date of a Plan Amendment that Reduces Benefits - Questions and Answers
Pensions Active Administration - Pensions PE0123ORG Electronic Communications Between Plan Administrators and Plan Beneficiaries
Pensions Active Filing - Pensions PE0048ORG Electronic Filing - Mandatory from January 1, 2013
Pensions Active Membership PE0154ORG Eligibility for Membership in a Pension Plan
Pensions Active Funding PE0214ORG Employer Contributions Based on RRSP Contributions
Pensions Active Investments - Pensions PE0146ORG Environmental, Social and Governance (ESG) Factors
Pensions Active Filing - Pensions PE0300ORG Extension of Deadline for Filings with FSCO (2018)
Auto Active Residual Market AU0067ORG Facility Association amendment to eligibility rules in the residual market
Pensions Active Funding PE0215ORG Failure to Remit Member Contributions
General Regulatory Active Consumer Protection - General Regulatory GR0008APP Fair Treatment of Customers in Insurance
Pensions Active Plan Types PE0290ORG FAQs - Multi-Employer Pension Plans (MEPPs)
Pensions Active Filing - Pensions PE0086ORG FAQs - Statement of Investment Policies and Procedures (SIPP)
Pensions Active Locked-in Accounts PE0680ORG FAQs for Financial Institutions (LIFs and LRIFs)
Pensions Active Locked-in Accounts PE0679ORG FAQs on Locked-in Retirement Accounts (LIRAs)
Pensions Active Locked-in Accounts PE0678ORG FAQs on Locked-in Retirement Income Funds (LRIFs)
Pensions Active Locked-in Accounts PE0095ORG FAQs on New Life Income Funds (LIFs)
Pensions Active Locked-in Accounts PE0092ORG FAQs on Old Life Income Funds (LIFs)
Pensions Active Locked-in Accounts PE0093ORG FAQs on Rules for Ontario Locked-In Accounts
Pensions Active Locked-in Accounts PE0682ORG FAQs on the Effects of Changes on Other Unlocking Applications
Pensions Active Miscellaneous PE0285ORG FAQs on the Most Significant Changes under Bill 120 in force on December 8, 2010 and July 1, 2012
Pensions Active Locked-in Accounts PE0094ORG FAQs on Unlocking a Locked-in Account if you are a Non-Resident of Canada
Pensions Active Locked-in Accounts PE0681ORG FAQs: Option to Transfer Money from a Locked-in Account to an Unlocked vehicle
Auto Active Filing - Auto AU0109ORG Filing Guidelines for Underwriting Rules
Pensions Active Filing - Pensions PE0022ORG Filing Information for Pension Plan Administrators
Pensions Active Filing - Pensions PE0243ORG Filing Requirements and Procedure
Pensions Active Wind up PE0173ORG Filing Requirements and Procedure on Full or Partial Wind Up of a Pension Plan
Pensions Active Locked-in Accounts PE0060ORG Financial Hardship Unlocking Questions & Answers
Pensions Active Locked-in Accounts PE0061ORG Financial Hardship Unlocking Questions & Answers
Pensions Active Locked-in Accounts PE0059ORG Financial Hardship Unlocking User Guide For Financial Institutions
FP/FA Active Application - FP/FA FP0001APP Financial Professionals Title Protection – Administration of Applications
FP/FA Active Supervisory Framework FP0002APP Financial Professionals Title Protection – Supervisory Framework
Pensions Active Filing - Pensions PE0057ORG Financial Statements
Pensions Active Amendments PE0241ORG For Applications Received after March 26, 1992
Pensions Active Locked-in Accounts PE0295ORG Frequently Asked Questions - Unlocking by Non-resident Former Member -Section 50.0.1 of the PBA
Pensions Active Annuities PE0008ORG Frequently Asked Questions pertaining to Annuity Purchase and Discharge
Pensions Active Funding PE0009ORG Frequently Asked Questions Pertaining to the 2018 Funding Reform for Defined Benefit Pension Plans
Auto Active Fleets AU0077ORG FSCO's clarification about the exemption for fleets
General Regulatory Active Service Standards - General Regulatory GR0009APP FSRA Service Standards
Pensions Active Asset Transfers PE0223INF FSRA’s Consent to SEPP to JSPP Transactions under sections 80.4 and 81.0.1 of the Pension Benefits Act
Pensions Active Wind up PE0288ORG Full and Partial Wind Ups - Frequently Asked Questions
Pensions Active Commuted Value PE0247ORG Fully Insured Money Purchase Group Annuity
Pensions Active Funding PE0012ORG Funding and Actuarial Filing Requirements For Plan Improvements under the New Funding Regime
Pensions Active Funding PE0136ORG Funding Requirements for Designated Plans in Ontario, O.Reg 73/95 Effective When Published
Auto Active Forms - Auto AU0113ORG Garage Automobile Policy (O.A.P. 4), Application and Endorsement Forms
Pensions Active Benefits PE0236ORG Garnishment of Pensions In Pay
Pensions Active Filing - Pensions PE0126ORG General Information Regarding Annual Information Returns
Insurance Active Guideline PC0019ORG Guideline - Use of Canadian Depository for Securities Limited
Pensions Active Wind up PE0181ORG Guideline for Notice of Full or Partial Wind Up of Pension Plan
Auto Active Hospitals AU0134INT Guideline on Public Hospitals and Determination of Catastrophic Impairment
Auto Active Health Care AU0055ORG Health Care for Auto Insurance Guideline
Auto Active HCAI Guideline AU0115ORG Health Claims for Auto Insurance (HCAI)
Pensions Active Family Law PE0052ORG Heringer v. Heringer - Ontario Superior Court of Justice decision on the payment of interest on a specified amount representing the former spouseÆs share of the Family Law Value
Co-operative Active Offerings CC0001INT High-Risk Offerings issued under the Co-operative Corporations Act
Insurance Active LLQP PC0026ORG How to Submit Feedback on the Life Licence Qualification Program (LLQP)
CU-CP Active ICAAP CU0071ORG ICAAP Submission Template - Summary Key Metrics Report
Pensions Active Benefits PE0289ORG Immediate Vesting
CU-CP Active ICAAP CU0086ORG Implementation of ICAAP and Stress Testing for Credit Unions -with assets in excess of $500 million
Auto Active Bill 59 AU0074ORG Implementing Bill 59: 'Protected defendant' undertaking to Ontario by out-of-province insurers
Pensions Active Family Law PE0100ORG Implications of Bill 14 Amendments on the Carrigan Decision
Pensions Active Benefits PE0239ORG Indexing
Pensions Active Plan Types PE0081ORG Individual Pension Plans
Pensions Active Plan Types PE0107ORG Individual Pension Plans (IPPs)
General Regulatory Active Risk Management GR0016INT Information Technology (“IT”) risk management
Auto Active Innovation AU0130APP Innovative Auto Insurance Products-Subscriptions (“IAIP-S”)
Pensions Active Administration - Pensions PE0244ORG Inquiries to FSCO by the Administrator
Auto Active Insurer Rights and Responsibilities AU0023ORG Insurer Rights and Responsibilities to Challenge Questionable or Abusive Claims
CU-CP Active ICAAP CU0033ORG Internal Capital Adequacy Assessment Process (ICAAP) – Credit Unions with Total Assets Greater than $500 Million
Auto Active Unfair or Deceptive Acts AU0135INT Interpretation of Sections 237 & 238 of the Insurance Act and Sections 1(1) and 2(1)(5) to 2(1)(8) of Regulation 7/00 Unfair or Deceptive Acts or Practices and Approach to Supervision [Take All Comers Rule]
Insurance Active Investments - Insurance PC0014ORG Investments by Insurers Guideline
Pensions Active Spousal Rights PE0274ORG Joint and Survivor Pension or Annuity – Entitlement, Waiver and Cancellation
Pensions Active Benefits PE0275ORG Joint and Survivor Pension Waived
Pensions Active Miscellaneous PE0042ORG Know the facts about your registered pension plan
Auto Active Insurance Provider Payments AU0033ORG Late Payments From Insurers to Licensed Service Providers
Pensions Active Miscellaneous PE0083ORG Legislative Changes July 1, 2012
CU-CP Active Lending CU0045ORG Lending Advisory #1 - Lending Limits and Creditor Insurance
CU-CP Active Lending CU0048ORG Lending Advisory #2 - Authorized Participants in Loan Syndications
CU-CP Active Lending CU0056ORG Lending Advisory #3 - Authorized Syndicating (Lead) Credit Unions in a Loan Syndication
Pensions Active Funding PE0011ORG Letters of Credit
Mortgage Active Licensing - Mortgage Brokering MB0046INT Licensing exemption for Permitted Clients that are not Individuals
Mortgage Active Licensing - Mortgage Brokering MB0032ORG Licensing FAQ
Insurance Active Reporting - Insurance PC0043INT Life agent reporting requirements and related insurer obligations
Pensions Active Locked-in Accounts PE0196INF Life Income Fund (LIF) and Locked-In Retirement Income Fund (LRIF) Maximum Annual Income Payment Amount Table
Pensions Active Commuted Value PE0202APP Limitations on Commuted Value Transfers and Annuity Purchases (DB Pension Plans)
CU-CP Active Liquidity CU0073ORG Liquidity Coverage Ratio (LRC) Template 2021
CU-CP Active Liquidity CU0064INT Liquidity *New
Pensions Active Locked-in Accounts PE0149ORG Locked-In Retirement Accounts (LIRAs)
Auto Active Loss Transfer AU0076ORG Loss transfer: standardized forms and procedures
Pensions Active Administration - Pensions PE0120ORG Management and Retention of Pension Plan Records by the Administrator
Pensions Active Membership PE0157ORG Mandatory versus Optional Membership in a Pension Plan
CU-CP Active Risk Management CU0052ORG Market Risk Advisory #1 - Investment in Digital Currencies
CU-CP Active Risk Management CU0053ORG Market Risk Advisory #2 - Investment in a Pool of Individual Mortgages and Mortgage Pools
CU-CP Active Framework CU0070INT Market Conduct Framework Guidance 
Pensions Active Spousal Rights PE0207ORG Marriage Breakdown and Pension Credits
Pensions Active Information and Statements PE0254ORG Member's Right to Information, Annual Statements, Termination Statements, Notices, PBA 1990, s. 25-30, 42, O. Reg. 909 s. 28, 39-46 Effective When Published
Pensions Active Information and Statements PE0255ORG Members’ Annual Statements and Termination Statements
Auto Active Minor Injury Guideline AU0026ORG Minor Injury Guideline
Pensions Active Administration - Pensions PE0203INF Missing Members Principles and Practices